Freelancers should look for a professional liability insurance policy that covers errors, omissions, and negligence related to the services they provide. It should offer protection against claims for mistakes or failure to meet client expectations that result in financial loss. The policy should be tailored to the specific industry or services they offer, ensuring it addresses relevant risks. It’s important to consider the coverage limits, making sure they are sufficient to cover potential legal fees and damages. Freelancers should also look for a policy with a clear and easy claims process, as well as one that includes legal defense costs. Additional features like coverage for intellectual property disputes, reputation damage, and cyber risks might be valuable depending on the nature of the freelance work. Lastly, freelancers should review the policy’s exclusions, ensuring the coverage fits their unique business needs without any major gaps.